Access and coverage for any doctor, specialist and hospital in the U.S. who accepts medicare. This is one of the great benefits of owning a medicare supplement policy. You are able to see just about any doctor and hospital across the U.S.

No restrictions of waiting for a referal from a primary care physician or waiting for the HMO to accept a request to see a particular doctor. Freedom of choice is what you can enjoy with a medicare supplement.

When can you Enroll?

You can or enroll in a UnitedHealthcare Medicare Supplement policy at anytime of the year. If you have both medicare parts A and B in force, you are able to apply to any medicare supplement company available in your state.

If you are new to Medicare Part B (within 6 months) you can enroll in a medicare supplement regardless of your current or past health status. If you are not in an open enrollment or guarantee issue period, you can still apply for a plan, but you must first answer the health questions on the enrollment form and wait for either approval or a decline.

Please call for assistance with enrollment.

Part D Rx plan …

Most people will compare the available Medicare Part D Rx plans every open-enrollment which starts October 15 and ends December 7. This allows you to see which plan for the following year is going to work best with your medication list.

If you are new to medicare or coming off of an employer health insurance policy and need a Part D plan, please feel free to contact me and I will send you a free comparison for your medication list.

Guaranteed Issue …

Your acceptance in any plan is guaranteed during your Medicare supplement open enrollment period which lasts for 6 months beginning
with the first day of the month in which you are both age 65 or older and enrolled in Medicare Part B.

A person becomes eligible for Guaranteed Issue of a Medicare Supplement plan when he or she loses or terminates health coverage under certain circumstances. Guaranteed Issue means a Medicare Supplement plan will be issued with no pre-existing condition exclusions and no underwriting.

In order to become eligible for Guaranteed Issue, your application must be received no later than 63 days after the termination date of your prior health plan. You must also provide a copy of the termination notice you received from your prior plan or employer along with your application. This notice must verify the circumstances of your prior plan’s termination and also describe your right to guaranteed issue of Medicare supplement insurance.

A leader in the Medicare industry, Anthem Blue Cross Medicare Supplement plans in San Francisco not only provides excellent rates they also offer easy, quick and accurate customer services for their members.

In certain areas Anthem is more competitive than others, and in the San Francisco area, they are hard to beat.

If you are looking for a low-priced Medicare Advantage plan, I recommend eiher Anthem or Blue Shield in San Francisco. Both have some of the largest HMO networks of doctors of any Medicare Advantage plan in SF. Medicare Advantage Plans

San Francisco Hospitals … If you live in the San Francisco area, you will want to make sure whatever Medicare plan you choose, that it accepts services from the following hospitals: UCSF – San Francisco, John Muir – Walnut Creek, Alta Bates – Berkley, Washington Hospital – Fremont, Sequoia Hospital – Redwood City, Valley Care – Pleasanton, Mills, Burlingame, Seton – Daly City, Stanford – Palo Alto. There are others but this is a pretty good list.

There is nothing better than a Medicare Supplement for access to doctors and hospitals. If they accept Medicare, your policy will pay, it’s that easy. Over 95% of all doctors and hospitals accept medicare. No networks to worry about and you don’t need a referral from a primary care doctor.

Also, you can enroll anytime of the year, no need to wait for any open-enrollment. Simply complete the enrollment form and wait for the correspondence. Each company will ask about your health history and what medication you take. Medical underwriting is the process each company goes through when processing applications. Call me so we can discuss this in more detail. Also, I can walk you through this process.

Medicare Supplement Rates … Cover the gaps and deductibles Medicare does not cover? A Medicare Supplement plan could very well be the right choice. Remember your Medicare Part A deductible is $1,316 per every 60 benefit period. You could potentially have to pay the $1,316 deductible six times in one year. Plus your part B deductible is $183 plus 20% for doctor and outpatient services, with no out of pocket maximum.

A Medicare Supplement plan F for example, covers all of your deductibles, co-insurance (20%) and other out of pocket expenses you incur throughout the year. Compare the different Medicare Supplement company rates right here.

Medicare Part D Rx plans … If you choose a Medicare Supplement policy, you will also need to enroll in a Part D Rx plan to help with your prescription costs. Medicare Supplement policies do not include the Part D coverage. You can email me you medication list and I will run the comparison for you and then forward it to you, which shows the top three part D Rx plan or your medication list.

2018 Anthem Medicare Advantage MediBlue Plus HMO plan in Yolo County includes the Medicare Part D Rx plan at no additional premium.

Also if you are interested in Dental and Vision coverage, Anthem offers a few optional plans to choose from. See the chart towards the bottom of the page for more information.

The Open-Enrollment started October 15 and ends December 7. All changes and new enrollments take effect on January 1 2018. Call me on October 1, that is when I will have access to all Medicare Advantage companies and plans through out California. Or check back here, I should have the information online.

If you wish to switch to a Medicare Supplement plan which offers freedom of choice of doctors and hospitals, you can start here Medicare Supplement Rates & Plans or call me and I’ll review your options.

Inpatient & Outpatient Coverage … With the Anthem Medicare MediBlue Select HMO you will enjoy not only Hospital coverage, Doctor visits, but also, prescription drug coverage, lab and X-Ray, diabetes care and services, medical equipment and much more. Click here to review all the benefits and services the Anthem Medicare Select plan in Orange County provides.

The upcoming Open-Enrollment started October 15 and ends December 7. All changes and new enrollments take effect on January 1 2018. Call me on October 1, that is when I will have access to all Medicare Advantage companies and plans through out California. Or check back here, I should have the information online.

Aetna Medicare Choice PPO Plan …

You can go to any doctor, specialist or hospital whether they are in- or out-of-network. With the exception of emergency or urgent care, it may cost more to get care from out-of-network providers.

2018 PPO Plan:

Aetna Medicare Plans – Available Counties:

Doctors & Hospitals … Aetna has the Only Medicare Advantage PPO plan in Los Angeles County for the 2018 plan year. As a member of our PPO Prime plan, you can choose to receive care from out-of-network providers. Our plan will cover services from either in-network or out-of-network providers, as long as the services are covered benefits and medically necessary. However, if you use an out-of-network provider, your share of the costs for your covered services may be higher.

Network providers … are the doctors and other health care professionals, medical groups, hospitals, and other health care facilities that have an agreement with the Aetna HMO or PPO to accept our payment and your cost-sharing amount as payment in full. We have arranged for these providers to deliver covered services to members in our plan. The providers in our network bill us directly for care they give you. When you see a network provider, you pay only your share of the cost for their services.

2018 Aetna Medicare Advantage HMO Plans:

With the Aetna Choice HMO plan you must choose a Primary Care physician who organizes your health care, and will refer you to specialists for care.

Plan Premium … As a member of our plan, you pay a monthly plan premium. For 2018, the monthly premium for our plan is $0. In addition, you must continue to pay your Medicare Part B premium. You can pay by check, auto deduction from your bank account or through your social security account.

HMO Primary Care Physician … What is the role of a PCP in coordinating covered services? Your PCP will provide most of your care, and when you need more specialized services, they will coordinate with other providers. They will help you find a specialist and will arrange for covered services you get as a member of our plan.

Some of the services that the PCP will coordinate include: X-rays, laboratory tests, therapies, care from doctors who are specialists, hospital admissions “Coordinating” your services includes consulting with other plan providers about your care and how it is progressing. Since your PCP will provide and coordinate most of your medical care, we recommend that you have your past medical records sent to your PCP’s office.

What if you are outside the plan’s service area when you have an urgent need for care? When you are outside the service area and cannot get care from a network provider, our plan will cover urgently needed services that you get from any provider at the lower in-network cost-sharing amount.

Types of out-of-pocket costs you may pay for your covered services. To understand the Aetna HMO and PPO payment information, you need to know about the types of out-of-pocket costs you may pay for your covered services.

The “deductible” is the amount you must pay for medical services before our plan begins to pay its share.

A “copayment” is the fixed amount you pay each time you receive certain medical services. You pay a copayment at the time you get the medical service.

“Coinsurance” is the percentage you pay of the total cost of certain medical services. You pay a coinsurance at the time you get the medical service.

Enroll – Print Application – Then fax to: 916-258-0296 for processing. If you cannot print from your computer, I’ll be happy to mail you the enrollment kit.

2018 Aetna Medicare Plans in Riverside County are both HMO and PPO. This is a great option for Medicare Members who wish to compare the two options.

Open-Enrollment:

Open-Enrollment started October 15 and ends December 7. All changes and new enrollments take effect on January 1 2018. Call me after October 1, that is when I will have access to all Medicare Advantage companies and plans through out California. Or check back here, I should have the information online.

2018 Aetna Medicare Advantage Plans:

Medicare PPO plans offer freedom of choice with doctors and hospitals. Although you will pay more if you see a doctor or hospital which is considered “out-of-network.” PPO’s typically have higher copays and or deductibles than their counterpart, the HMO plan. Flexibility is usually why a person will enroll in a PPO. The ability to see several different doctors without needing a referral from their Primary Care Physician.

Medicare HMO plans typically offer $0 premium plans, have very comprehensive coverage and many times includes basic dental or vision coverage. The downside to HMO plans are they are very restrictive when you are wishing to see different doctors. When you sign up for the HMO, you need to choose one doctor from their list, and that doctor organizes your care and will refer you to a specialist within the same medical group. But the referral must first be approved.

To join Aetna Medicare Select Plan (HMO), you must be entitled to Medicare Part A, be enrolled in Medicare Part B, and live in our service area which includes Riverside and San Bernardino Counties.

Medicare HMO and PPO plans usually include the Medicare Part D Rx coverage. Medicare Supplement plans do NOT include the Part D coverage, so you will need to enroll in a stand-along-plan to help pay for your medications. Feel free to call me, I can help you with finding a Part D Rx plan to fit your prescription needs.

Enrolling in any of the above plans is quick and easy.Print the Application and once finished fax to: 916-258-0296.

With a 2018 Blue Shield 65 Plus HMO Medicare Advantage plan, you get a health plan with a 4-Star quality rating from CMS with no monthly premium – and that’s just the start.

The upcoming Open-Enrollment starts October 15 and ends December 7. All changes and new enrollments take effect on January 1 2018. Call me after October 1, that is when I will have access to all Medicare Advantage companies and plans through out California. Or check back here, I should have the information online.

Coverage you can count on … All the benefits you need at a price you can afford. A network of thousands of qualified providers. A member satisfaction rating of 4.6 out of 5. And a 70 year history of serving California. You can trust Blue Shield.

Send your list of doctors and I will see if they are Blue Shield contracted.

A commitment to do the right thing … Fairness, equality, compassion, accountability. These are the values you grew up with and still hold dear. At Blue Shield, we share those values. We are a leading voice for making affordable, quality care available to everyone. We’ve been named on of the worlds most ethical companies. Most importantly, we are not-for-profit. Blue Shield pledges to limit its net income to 2% of revenue and invests the rest back into helping improve the quality of care in local communities and making access to care more affordable.

5 reasons to get a Blue Shield Medicare Advantage HMO plan:

Pay no monthly plan premium, no plan deductible, and no or low copayments for many services. There’s no monthly plan premium, no plan deductible, and no copays for basic X-rays and lab services. There are also no or low copays for office visits to your primary care physician and for outpatient surgeries performed at an ambulatory surgery center.

Benefit from out comprehensive drug coverage … You’ll have Part D prescription drug coverage for generic and brand-name drugs and you can also get a three month supply of your prescriptions for the price of two by mail order and through our network of preferred pharmacies.

Take advantage of our large network of physicians … We have a large network of physicians, so your doctors and specialists are more than likely to be included.

Enjoy a basic health club membership through the SilverSneakers Fitness Program. you’ll have access to a variety of participating locations across the country, including gyms, senior centers, aquatic centers and Curves.

Our members love us … Our members rate our plan 4.6 out of 5 on customer service, value, easy to use and understand, access to doctors, and access to prescription drugs.

Aetna, Anthem and Health Net. Call for 2018 plan details.

To Enroll – Print Application. Then fax to 916-258-0296 for processing. If you cannot print from your computer, I will be happy to mail you an enrollment kit.

The upcoming Open-Enrollment starts October 15 and ends December 7. All changes and new enrollments take effect on January 1 2018. Call me on October 1, that is when I will have access to all Medicare Advantage companies and plans through out California. Or check back here, I should have the information online.

2018 Aetna Medicare Choice PPO Plan … San Diego County.

You can go to any doctor, specialist or hospital whether they are in- or out-of-network. With the exception of emergency or urgent care, it may cost more to get care from out-of-network providers.

Aetna Medicare Plans – Available Counties:

Plan Premium … As a member of our PPO plan, you pay a monthly plan premium. For 2017, the monthly premium for our plan is $107. In addition, you must continue to pay your Medicare Part B premium. You can pay by check, auto deduction from your bank account or through your social security account.

Doctors & Hospitals … Aetna has the Only Medicare Advantage PPO plan in San Diego County for the 2017 plan year. As a member of our PPO Prime plan, you can choose to receive care from out-of-network providers. Our plan will cover services from either in-network or out-of-network providers, as long as the services are covered benefits and medically necessary. However, if you use an out-of-network provider, your share of the costs for your covered services may be higher.

Network providers … are the doctors and other health care professionals, medical groups, hospitals, and other health care facilities that have an agreement with the Aetna HMO or PPO to accept our payment and your cost-sharing amount as payment in full. We have arranged for these providers to deliver covered services to members in our plan. The providers in our network bill us directly for care they give you. When you see a network provider, you pay only your share of the cost for their services.

2018 Aetna Medicare Choice HMO Plan …

With the Aetna Select HMO plan in San Diego you must choose a Primary Care physician who organizes your health care, and will refer you to specialists for care.

HMO Primary Care Physician … What is the role of a PCP in coordinating covered services? Your PCP will provide most of your care, and when you need more specialized services, they will coordinate with other providers. They will help you find a specialist and will arrange for covered services you get as a member of our plan.

Some of the services that the PCP will coordinate include: x-rays, laboratory tests, therapies, care from doctors who are specialists, hospital admissions “Coordinating” your services includes consulting with other plan providers about your care and how it is progressing. Since your PCP will provide and coordinate most of your medical care, we recommend that you have your past medical records sent to your PCP’s office.

What if you are outside the plan’s service area when you have an urgent need for care? When you are outside the service area and cannot get care from a network provider, our plan will cover urgently needed services that you get from any provider at the lower in-network cost-sharing amount.

Types of out-of-pocket costs you may pay for your covered services. To understand the Aetna HMO and PPO payment information, you need to know about the types of out-of-pocket costs you may pay for your covered services.

The “deductible” is the amount you must pay for medical services before our plan begins to pay its share.

A “copayment” is the fixed amount you pay each time you receive certain medical services. You pay a copayment at the time you get the medical service.

“Coinsurance” is the percentage you pay of the total cost of certain medical services. You pay a coinsurance at the time you get the medical service.

Enroll .. Print the Application when complete, simply email or fax the completed forms to 916-258-0296.

2018 will see more change for the counties of California. Medicare Advantage plans change every year, some quite a bit, others not so much, but they all change from year to year.

The Open-Enrollment starts October 15 and ends December 7. All changes and new enrollments take effect on January 1 2018. Call me on October 1, that is when I will have access to all Medicare Advantage companies and plans through out California. Or check back here, I should have the information online.

Call or email for for help with enrollment.

If you are currently with another Fresno County Medicare HMO plan be sure to compare with the new Anthem Medicare MediBlue Select HMO plan.

If you wish to switch to a Medicare Supplement plan which offers freedom of choice of doctors and hospitals, you can start here Medicare Supplement Rates & Plans or call me and I’ll review your options.

Call me today to find out which is a better option for you, a Medicare Supplement or one of the available Medicare Advantage plans in Los Angeles County.

Remember if you choose a Medicare Supplement for 2016 you will also need to look into a Medicare Part D Rx plan to help pay for your prescriptions. I can help you find the best plan for your medication list.

If you want to make a switch to another Medicare Advantage plan, you will need to enroll in a new plan during the open enrollment period starting October 15 and ending December 7, for a January 1 effective date.

The Open-Enrollment starts October 15 and ends December 7. All changes and new enrollments take effect on January 1 2018. Call me on October 1, that is when I will have access to all Medicare Advantage companies and plans through out California. Or check back here, I should have the information online.

Aetna Medicare Choice PPO Plan …

You can go to any doctor, specialist or hospital whether they are in- or out-of-network. With the exception of emergency or urgent care, it may cost more to get care from out-of-network providers.

Aetna Medicare Plans – Available Counties:

Plan Premium … As a member of our PPO plan, you pay a monthly plan premium. For 2017, the monthly premium for our plan is $107. In addition, you must continue to pay your Medicare Part B premium. You can pay by check, auto deduction from your bank account or through your social security account.

Doctors & Hospitals … Aetna has the Only Medicare Advantage PPO plan in Orange County for the 2017 plan year. As a member of our PPO Prime plan, you can choose to receive care from out-of-network providers. Our plan will cover services from either in-network or out-of-network providers, as long as the services are covered benefits and medically necessary. However, if you use an out-of-network provider, your share of the costs for your covered services may be higher.

Network providers … are the doctors and other health care professionals, medical groups, hospitals, and other health care facilities that have an agreement with the Aetna HMO or PPO to accept our payment and your cost-sharing amount as payment in full. We have arranged for these providers to deliver covered services to members in our plan. The providers in our network bill us directly for care they give you. When you see a network provider, you pay only your share of the cost for their services.

2018 Aetna Medicare Choice & Select HMO Plans:

With the Aetna Choice HMO plan you must choose a Primary Care physician who organizes your health care, and will refer you to specialists for care.

HMO Primary Care Physician … What is the role of a PCP in coordinating covered services? Your PCP will provide most of your care, and when you need more specialized services, they will coordinate with other providers. They will help you find a specialist and will arrange for covered services you get as a member of our plan.

Some of the services that the PCP will coordinate include: x-rays, laboratory tests, therapies, care from doctors who are specialists, hospital admissions “Coordinating” your services includes consulting with other plan providers about your care and how it is progressing. Since your PCP will provide and coordinate most of your medical care, we recommend that you have your past medical records sent to your PCP’s office.

What if you are outside the plan’s service area when you have an urgent need for care? When you are outside the service area and cannot get care from a network provider, our plan will cover urgently needed services that you get from any provider at the lower in-network cost-sharing amount.

Types of out-of-pocket costs you may pay for your covered services. To understand the Aetna HMO and PPO payment information, you need to know about the types of out-of-pocket costs you may pay for your covered services.

The “deductible” is the amount you must pay for medical services before our plan begins to pay its share.

A “copayment” is the fixed amount you pay each time you receive certain medical services. You pay a copayment at the time you get the medical service.

“Coinsurance” is the percentage you pay of the total cost of certain medical services. You pay a coinsurance at the time you get the medical service.

In 2018 Aetna offers both PPO and HMO Medicare Advantage plans in the different California Counties.

The upcoming Open-Enrollment starts October 15 and ends December 7. All changes and new enrollments take effect on January 1 2018. Call me on October 1, that is when I will have access to all Medicare Advantage companies and plans through out California. Or check back here, I should have the information online.

Aetna Medicare Plans in the following Counties:

Medicare Advantage plans: • Are sometimes called Medicare Part C plans • Include everything that Original Medicare covers and may add other benefits like prescription drug coverage, fitness and more • Are offered by private companies approved by Medicare, like Aetna • Aren’t Medigap plans (Medicare Supplement plans).

Print Application

The Annual Enrollment Period for 2017 starts October 15 and ends December 7 for a January 1, 2018 effective date.

Some of the terms you need to be aware of:

Deductible ‐ The amount you must pay for health care or prescriptions before Original Medicare, your Medicare Advantage Plan, your prescription drug plan or your other insurance begins to pay.

Copayment ‐ The amount you may have to pay as your share of the cost for a medical service or supply. This includes doctor visits, hospital outpatient visits or prescription drugs on the formulary. A copayment is a set amount, not a percentage. For example, you might pay $10 or $20 for a doctor’s visit or prescription drug.

Coinsurance ‐ The amount you have to pay as your share of the cost for services or prescription drugs after you pay any deductible. Coinsurance is a percentage (like, 20%).

Some Aetna contracted pharmacies offer preferred cost sharing. We want you to pay the lowest price possible for your drugs. When you choose to get your drugs at one of these retail pharmacies, you’ll typically pay a lower amount. And with over 20,000 retail pharmacies with preferred cost‐sharing, finding one is easy. We also have many local independent pharmacies as well.